Home > Union Center National Bank > Performance and Condition Ratios
Union Center National Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,483 |
| Cost of funding earning assets | 0.7140% | 1,119 |
| Net interest margin | 3.0977% | 5,260 |
| Noninterest income to average assets | 0.2700% | 5,275 |
| Noninterest expense to average assets | 1.6703% | 6,298 |
| Loan and lease loss provision to assets | 0.1088% | 2,199 |
| Net operating income to assets | 0.9096% | 2,758 |
| Return on assets (ROA) | 1.0787% | 2,082 |
| Pretax return on assets | 1.5243% | 1,464 |
| Return on Equity (ROE) | 10.1152% | 2,101 |
| Retained earnings to average equity (ytd only) | 4.7242% | 3,135 |
| Net charge-offs to loans | 0.0847% | 2,842 |
| Credit loss provision to net charge-offs | 217.9856% | 1,091 |
| Earnings coverage of net charge-offs (x) | 27.9496% | 1,320 |
| Efficiency ratio | 54.4397% | 5,873 |
| Assets per employee ($millions) | 10.0308% | 231 |
| Cash dividends to net income (ytd only)* | 53.2956% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 5,005 |
| Loan loss allowance to noncurrent loans | 259.2193% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 5,300 |
| Noncurrent loans to loans | 0.4148% | 4,744 |
| Net loans and leases to total assets | 59.8109% | 3,751 |
| Net loans and leases to deposits | 78.1047% | 2,788 |
| Net loans and leases to core deposits | 98.7030% | 1,394 |
| Total domestic deposits to total assets | 76.5779% | 5,847 |
| Equity capital to assets | 10.9233% | 2,956 |
| Core capital (leverage) ratio | 9.9854% | 3,634 |
| Tier 1 risk-based capital ratio | 12.4759% | 5,245 |
| Total risk-based capital ratio | 13.3166% | 5,434 |
| Memoranda: | ||
| Average total assets | $1,670,966,330 | 423 |
| Average earning assets | $1,507,809,330 | 422 |
| Average equity | $178,187,670 | 437 |
| Average total loans | $985,070,330 | 455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 4,409 |
| Cost of funding earning assets | 0.7162% | 1,145 |
| Net interest margin | 3.1024% | 5,244 |
| Noninterest income to average assets | 0.2645% | 5,247 |
| Noninterest expense to average assets | 1.7518% | 6,280 |
| Loan and lease loss provision to assets | 0.1494% | 1,625 |
| Net operating income to assets | 0.8361% | 2,974 |
| Return on assets (ROA) | 1.0830% | 1,948 |
| Pretax return on assets | 1.4849% | 1,473 |
| Return on Equity (ROE) | 10.2802% | 1,941 |
| Retained earnings to average equity (ytd only) | 7.4311% | 1,848 |
| Net charge-offs to loans | 0.1334% | 1,909 |
| Credit loss provision to net charge-offs | 192.3077% | 1,076 |
| Earnings coverage of net charge-offs (x) | 16.6892% | 1,496 |
| Efficiency ratio | 57.4285% | 5,713 |
| Assets per employee ($millions) | 10.0929% | 223 |
| Cash dividends to net income (ytd only)* | 27.7140% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 5,221 |
| Loan loss allowance to noncurrent loans | 290.5191% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 5,508 |
| Noncurrent loans to loans | 0.3706% | 5,017 |
| Net loans and leases to total assets | 58.3072% | 3,795 |
| Net loans and leases to deposits | 72.9025% | 3,220 |
| Net loans and leases to core deposits | 93.8993% | 1,558 |
| Total domestic deposits to total assets | 79.9798% | 5,486 |
| Equity capital to assets | 10.6851% | 3,057 |
| Core capital (leverage) ratio | 9.7931% | 3,872 |
| Tier 1 risk-based capital ratio | 12.3934% | 5,376 |
| Total risk-based capital ratio | 13.2204% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,673,897,000 | 424 |
| Average earning assets | $1,501,816,000 | 425 |
| Average equity | $176,339,500 | 441 |
| Average total loans | $974,236,000 | 458 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 4,650 |
| Cost of funding earning assets | 0.7331% | 1,609 |
| Net interest margin | 3.1099% | 5,281 |
| Noninterest income to average assets | 0.3151% | 5,092 |
| Noninterest expense to average assets | 1.5214% | 6,565 |
| Loan and lease loss provision to assets | 0.0214% | 4,701 |
| Net operating income to assets | 1.1691% | 1,689 |
| Return on assets (ROA) | 1.2446% | 1,468 |
| Pretax return on assets | 1.7158% | 915 |
| Return on Equity (ROE) | 12.0204% | 1,413 |
| Retained earnings to average equity (ytd only) | 9.4203% | 672 |
| Net charge-offs to loans | 0.0276% | 4,869 |
| Credit loss provision to net charge-offs | 137.7953% | 1,697 |
| Earnings coverage of net charge-offs (x) | 104.9567% | 448 |
| Efficiency ratio | 48.1597% | 6,488 |
| Assets per employee ($millions) | 10.0745% | 223 |
| Cash dividends to net income (ytd only)* | 21.6308% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 5,257 |
| Loan loss allowance to noncurrent loans | 329.3911% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,697 |
| Noncurrent loans to loans | 0.3265% | 5,204 |
| Net loans and leases to total assets | 56.8423% | 4,209 |
| Net loans and leases to deposits | 70.8200% | 3,676 |
| Net loans and leases to core deposits | 89.1245% | 2,125 |
| Total domestic deposits to total assets | 80.2630% | 5,382 |
| Equity capital to assets | 10.3840% | 3,307 |
| Core capital (leverage) ratio | 9.6896% | 3,999 |
| Tier 1 risk-based capital ratio | 12.1001% | 5,559 |
| Total risk-based capital ratio | 12.9035% | 5,762 |
| Memoranda: | ||
| Average total assets | $1,631,754,600 | 423 |
| Average earning assets | $1,490,195,600 | 418 |
| Average equity | $168,954,200 | 441 |
| Average total loans | $918,653,400 | 461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,755 |
| Cost of funding earning assets | 0.7343% | 1,713 |
| Net interest margin | 3.0898% | 5,346 |
| Noninterest income to average assets | 0.3152% | 5,180 |
| Noninterest expense to average assets | 1.5195% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1785% | 1,704 |
| Return on assets (ROA) | 1.2518% | 1,553 |
| Pretax return on assets | 1.7291% | 1,037 |
| Return on Equity (ROE) | 12.0990% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.6053% | 884 |
| Net charge-offs to loans | 0.0063% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 460.2711% | 128 |
| Efficiency ratio | 48.2259% | 6,496 |
| Assets per employee ($millions) | 9.7259% | 246 |
| Cash dividends to net income (ytd only)* | 20.6109% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,466 |
| Loan loss allowance to noncurrent loans | 501.6732% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 6,040 |
| Noncurrent loans to loans | 0.2122% | 5,708 |
| Net loans and leases to total assets | 57.6391% | 4,069 |
| Net loans and leases to deposits | 72.0557% | 3,511 |
| Net loans and leases to core deposits | 91.0968% | 1,860 |
| Total domestic deposits to total assets | 79.9925% | 5,513 |
| Equity capital to assets | 10.3491% | 3,450 |
| Core capital (leverage) ratio | 9.5126% | 4,385 |
| Tier 1 risk-based capital ratio | 11.6923% | 5,950 |
| Total risk-based capital ratio | 12.4766% | 6,144 |
| Memoranda: | ||
| Average total assets | $1,621,602,000 | 426 |
| Average earning assets | $1,486,097,750 | 422 |
| Average equity | $167,778,250 | 448 |
| Average total loans | $908,081,000 | 464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 4,775 |
| Cost of funding earning assets | 0.7344% | 1,809 |
| Net interest margin | 3.0808% | 5,329 |
| Noninterest income to average assets | 0.3262% | 5,085 |
| Noninterest expense to average assets | 1.5368% | 6,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1607% | 1,696 |
| Return on assets (ROA) | 1.2417% | 1,575 |
| Pretax return on assets | 1.7100% | 1,092 |
| Return on Equity (ROE) | 12.0022% | 1,488 |
| Retained earnings to average equity (ytd only) | 9.7472% | 901 |
| Net charge-offs to loans | 0.0079% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 368.7429% | 137 |
| Efficiency ratio | 48.9372% | 6,487 |
| Assets per employee ($millions) | 9.3840% | 261 |
| Cash dividends to net income (ytd only)* | 18.7887% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,322 |
| Loan loss allowance to noncurrent loans | 398.3600% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 5,982 |
| Noncurrent loans to loans | 0.2835% | 5,592 |
| Net loans and leases to total assets | 55.6632% | 4,348 |
| Net loans and leases to deposits | 69.7178% | 3,756 |
| Net loans and leases to core deposits | 85.1108% | 2,425 |
| Total domestic deposits to total assets | 79.8408% | 5,644 |
| Equity capital to assets | 10.3555% | 3,485 |
| Core capital (leverage) ratio | 9.4855% | 4,269 |
| Tier 1 risk-based capital ratio | 11.8132% | 5,907 |
| Total risk-based capital ratio | 12.6271% | 6,131 |
| Memoranda: | ||
| Average total assets | $1,614,245,000 | 430 |
| Average earning assets | $1,472,137,670 | 425 |
| Average equity | $167,002,330 | 454 |
| Average total loans | $891,577,000 | 468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 4,767 |
| Cost of funding earning assets | 0.7295% | 1,995 |
| Net interest margin | 3.0881% | 5,306 |
| Noninterest income to average assets | 0.3770% | 4,651 |
| Noninterest expense to average assets | 1.5945% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1782% | 1,589 |
| Return on assets (ROA) | 1.2365% | 1,527 |
| Pretax return on assets | 1.6800% | 1,126 |
| Return on Equity (ROE) | 11.9581% | 1,434 |
| Retained earnings to average equity (ytd only) | 9.6740% | 1,194 |
| Net charge-offs to loans | 0.0023% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1,296.2000% | 11 |
| Efficiency ratio | 49.8261% | 6,515 |
| Assets per employee ($millions) | 9.3011% | 284 |
| Cash dividends to net income (ytd only)* | 19.1009% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,357 |
| Loan loss allowance to noncurrent loans | 390.5344% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 5,790 |
| Noncurrent loans to loans | 0.2977% | 5,657 |
| Net loans and leases to total assets | 54.0632% | 4,408 |
| Net loans and leases to deposits | 67.8189% | 3,791 |
| Net loans and leases to core deposits | 82.8864% | 2,467 |
| Total domestic deposits to total assets | 79.7171% | 5,817 |
| Equity capital to assets | 10.5330% | 3,508 |
| Core capital (leverage) ratio | 9.2884% | 4,419 |
| Tier 1 risk-based capital ratio | 11.6002% | 6,130 |
| Total risk-based capital ratio | 12.4250% | 6,308 |
| Memoranda: | ||
| Average total assets | $1,619,038,000 | 432 |
| Average earning assets | $1,477,825,500 | 427 |
| Average equity | $167,418,500 | 458 |
| Average total loans | $885,662,000 | 471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 5,718 |
| Cost of funding earning assets | 0.8077% | 2,611 |
| Net interest margin | 3.0381% | 5,960 |
| Noninterest income to average assets | 0.3398% | 5,028 |
| Noninterest expense to average assets | 1.6275% | 6,781 |
| Loan and lease loss provision to assets | 0.0212% | 5,633 |
| Net operating income to assets | 1.0733% | 2,044 |
| Return on assets (ROA) | 1.1629% | 1,883 |
| Pretax return on assets | 1.6747% | 1,198 |
| Return on Equity (ROE) | 11.6325% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.2736% | 545 |
| Net charge-offs to loans | -0.0377% | 6,654 |
| Credit loss provision to net charge-offs | -104.8387% | 6,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8710% | 6,533 |
| Assets per employee ($millions) | 9.1516% | 315 |
| Cash dividends to net income (ytd only)* | 11.6820% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,350 |
| Loan loss allowance to noncurrent loans | 278.7095% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 5,760 |
| Noncurrent loans to loans | 0.4122% | 5,454 |
| Net loans and leases to total assets | 54.0784% | 4,609 |
| Net loans and leases to deposits | 67.3722% | 4,069 |
| Net loans and leases to core deposits | 82.6890% | 2,699 |
| Total domestic deposits to total assets | 80.2681% | 5,595 |
| Equity capital to assets | 10.1506% | 3,964 |
| Core capital (leverage) ratio | 8.9866% | 4,917 |
| Tier 1 risk-based capital ratio | 11.3536% | 6,187 |
| Total risk-based capital ratio | 12.1841% | 6,341 |
| Memoranda: | ||
| Average total assets | $1,529,671,600 | 443 |
| Average earning assets | $1,436,908,200 | 422 |
| Average equity | $152,916,000 | 479 |
| Average total loans | $823,260,400 | 497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 5,855 |
| Cost of funding earning assets | 0.8315% | 2,695 |
| Net interest margin | 3.0397% | 6,084 |
| Noninterest income to average assets | 0.3527% | 4,996 |
| Noninterest expense to average assets | 1.6631% | 6,816 |
| Loan and lease loss provision to assets | 0.0199% | 5,551 |
| Net operating income to assets | 1.0426% | 2,309 |
| Return on assets (ROA) | 1.1748% | 2,007 |
| Pretax return on assets | 1.7168% | 1,226 |
| Return on Equity (ROE) | 11.8006% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.7762% | 726 |
| Net charge-offs to loans | -0.0683% | 6,778 |
| Credit loss provision to net charge-offs | -54.4794% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7897% | 6,466 |
| Assets per employee ($millions) | 9.2599% | 299 |
| Cash dividends to net income (ytd only)* | 8.6809% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,397 |
| Loan loss allowance to noncurrent loans | 184.9377% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 5,825 |
| Noncurrent loans to loans | 0.6357% | 5,172 |
| Net loans and leases to total assets | 53.4258% | 4,836 |
| Net loans and leases to deposits | 66.5393% | 4,402 |
| Net loans and leases to core deposits | 83.0554% | 2,815 |
| Total domestic deposits to total assets | 80.2922% | 5,578 |
| Equity capital to assets | 10.0420% | 4,433 |
| Core capital (leverage) ratio | 8.9312% | 5,152 |
| Tier 1 risk-based capital ratio | 11.3607% | 6,323 |
| Total risk-based capital ratio | 12.2137% | 6,477 |
| Memoranda: | ||
| Average total assets | $1,504,844,500 | 447 |
| Average earning assets | $1,412,302,500 | 427 |
| Average equity | $149,807,250 | 484 |
| Average total loans | $806,284,750 | 505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 5,890 |
| Cost of funding earning assets | 0.8597% | 2,729 |
| Net interest margin | 3.0483% | 6,127 |
| Noninterest income to average assets | 0.2871% | 5,513 |
| Noninterest expense to average assets | 1.5428% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0599% | 2,204 |
| Return on assets (ROA) | 1.1900% | 1,944 |
| Pretax return on assets | 1.7963% | 1,052 |
| Return on Equity (ROE) | 11.9923% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.6837% | 633 |
| Net charge-offs to loans | -0.1578% | 6,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0014% | 6,712 |
| Assets per employee ($millions) | 9.0912% | 306 |
| Cash dividends to net income (ytd only)* | 2.5735% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 5,057 |
| Loan loss allowance to noncurrent loans | 205.6953% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 5,877 |
| Noncurrent loans to loans | 0.6154% | 5,283 |
| Net loans and leases to total assets | 53.1472% | 4,939 |
| Net loans and leases to deposits | 67.8296% | 4,229 |
| Net loans and leases to core deposits | 84.8117% | 2,590 |
| Total domestic deposits to total assets | 78.3541% | 6,093 |
| Equity capital to assets | 10.1682% | 4,099 |
| Core capital (leverage) ratio | 9.1865% | 4,631 |
| Tier 1 risk-based capital ratio | 11.6992% | 6,108 |
| Total risk-based capital ratio | 12.5956% | 6,288 |
| Memoranda: | ||
| Average total assets | $1,469,382,670 | 455 |
| Average earning assets | $1,376,131,000 | 443 |
| Average equity | $145,810,000 | 491 |
| Average total loans | $784,695,330 | 511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 5,925 |
| Cost of funding earning assets | 0.8848% | 2,800 |
| Net interest margin | 3.0552% | 6,168 |
| Noninterest income to average assets | 0.2800% | 5,624 |
| Noninterest expense to average assets | 1.5818% | 6,991 |
| Loan and lease loss provision to assets | 0.0294% | 4,994 |
| Net operating income to assets | 1.0120% | 2,433 |
| Return on assets (ROA) | 1.1821% | 1,972 |
| Pretax return on assets | 1.7840% | 1,108 |
| Return on Equity (ROE) | 12.0659% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.6699% | 885 |
| Net charge-offs to loans | -0.0233% | 6,233 |
| Credit loss provision to net charge-offs | -237.7778% | 5,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3025% | 6,655 |
| Assets per employee ($millions) | 8.6818% | 365 |
| Cash dividends to net income (ytd only)* | 3.2814% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,348 |
| Loan loss allowance to noncurrent loans | 119.1401% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,411 |
| Noncurrent loans to loans | 1.0355% | 4,619 |
| Net loans and leases to total assets | 52.9078% | 4,895 |
| Net loans and leases to deposits | 67.6255% | 4,122 |
| Net loans and leases to core deposits | 84.6336% | 2,461 |
| Total domestic deposits to total assets | 78.2364% | 6,235 |
| Equity capital to assets | 9.8785% | 4,285 |
| Core capital (leverage) ratio | 9.1177% | 4,656 |
| Tier 1 risk-based capital ratio | 11.5357% | 6,260 |
| Total risk-based capital ratio | 12.4066% | 6,449 |
| Memoranda: | ||
| Average total assets | $1,454,051,000 | 460 |
| Average earning assets | $1,359,897,500 | 447 |
| Average equity | $142,451,500 | 500 |
| Average total loans | $773,316,000 | 517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 5,878 |
| Cost of funding earning assets | 0.9864% | 3,472 |
| Net interest margin | 3.2757% | 5,884 |
| Noninterest income to average assets | 0.2908% | 5,455 |
| Noninterest expense to average assets | 1.7487% | 7,010 |
| Loan and lease loss provision to assets | 0.1852% | 4,341 |
| Net operating income to assets | 0.8985% | 2,610 |
| Return on assets (ROA) | 1.0772% | 2,035 |
| Pretax return on assets | 1.6505% | 1,102 |
| Return on Equity (ROE) | 10.8431% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.2447% | 514 |
| Net charge-offs to loans | 0.2379% | 4,290 |
| Credit loss provision to net charge-offs | 142.9072% | 2,035 |
| Earnings coverage of net charge-offs (x) | 12.0455% | 1,656 |
| Efficiency ratio | 52.7118% | 6,642 |
| Assets per employee ($millions) | 8.7865% | 355 |
| Cash dividends to net income (ytd only)* | 5.5193% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 5,062 |
| Loan loss allowance to noncurrent loans | 121.5443% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,487 |
| Noncurrent loans to loans | 1.0450% | 4,621 |
| Net loans and leases to total assets | 52.1163% | 5,296 |
| Net loans and leases to deposits | 66.4385% | 4,677 |
| Net loans and leases to core deposits | 81.4899% | 3,248 |
| Total domestic deposits to total assets | 78.4429% | 6,104 |
| Equity capital to assets | 9.7128% | 4,576 |
| Core capital (leverage) ratio | 9.1498% | 4,550 |
| Tier 1 risk-based capital ratio | 11.8137% | 5,951 |
| Total risk-based capital ratio | 12.7036% | 6,180 |
| Memoranda: | ||
| Average total assets | $1,322,053,800 | 493 |
| Average earning assets | $1,218,289,600 | 488 |
| Average equity | $131,336,800 | 529 |
| Average total loans | $720,061,200 | 574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 5,813 |
| Cost of funding earning assets | 1.0055% | 3,643 |
| Net interest margin | 3.3347% | 5,757 |
| Noninterest income to average assets | 0.2879% | 5,550 |
| Noninterest expense to average assets | 1.7471% | 7,048 |
| Loan and lease loss provision to assets | 0.2212% | 3,802 |
| Net operating income to assets | 0.8984% | 2,743 |
| Return on assets (ROA) | 1.0870% | 2,165 |
| Pretax return on assets | 1.6694% | 1,208 |
| Return on Equity (ROE) | 10.8750% | 1,906 |
| Retained earnings to average equity (ytd only) | 10.4886% | 732 |
| Net charge-offs to loans | 0.2773% | 3,693 |
| Credit loss provision to net charge-offs | 145.2333% | 2,176 |
| Earnings coverage of net charge-offs (x) | 10.5064% | 1,908 |
| Efficiency ratio | 52.0553% | 6,671 |
| Assets per employee ($millions) | 8.5465% | 388 |
| Cash dividends to net income (ytd only)* | 3.5532% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,911 |
| Loan loss allowance to noncurrent loans | 65.6117% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 4,603 |
| Noncurrent loans to loans | 2.0141% | 3,346 |
| Net loans and leases to total assets | 51.7500% | 5,481 |
| Net loans and leases to deposits | 67.0377% | 4,754 |
| Net loans and leases to core deposits | 82.1596% | 3,301 |
| Total domestic deposits to total assets | 77.1954% | 6,346 |
| Equity capital to assets | 9.9359% | 4,431 |
| Core capital (leverage) ratio | 9.3764% | 4,338 |
| Tier 1 risk-based capital ratio | 12.2807% | 5,680 |
| Total risk-based capital ratio | 13.2239% | 5,899 |
| Memoranda: | ||
| Average total assets | $1,294,517,750 | 509 |
| Average earning assets | $1,187,762,750 | 505 |
| Average equity | $129,394,500 | 543 |
| Average total loans | $711,074,000 | 587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 5,558 |
| Cost of funding earning assets | 1.0219% | 3,804 |
| Net interest margin | 3.4167% | 5,499 |
| Noninterest income to average assets | 0.2781% | 5,660 |
| Noninterest expense to average assets | 1.8170% | 7,065 |
| Loan and lease loss provision to assets | 0.1780% | 4,142 |
| Net operating income to assets | 0.9106% | 2,598 |
| Return on assets (ROA) | 1.0688% | 2,064 |
| Pretax return on assets | 1.6576% | 1,141 |
| Return on Equity (ROE) | 10.6700% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.2762% | 785 |
| Net charge-offs to loans | 0.0449% | 5,222 |
| Credit loss provision to net charge-offs | 709.4340% | 452 |
| Earnings coverage of net charge-offs (x) | 63.3019% | 522 |
| Efficiency ratio | 53.2091% | 6,695 |
| Assets per employee ($millions) | 7.8256% | 489 |
| Cash dividends to net income (ytd only)* | 3.6911% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,528 |
| Loan loss allowance to noncurrent loans | 88.5329% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 5,123 |
| Noncurrent loans to loans | 1.5914% | 4,007 |
| Net loans and leases to total assets | 52.6683% | 5,480 |
| Net loans and leases to deposits | 71.0756% | 4,277 |
| Net loans and leases to core deposits | 86.4689% | 2,832 |
| Total domestic deposits to total assets | 74.1018% | 6,832 |
| Equity capital to assets | 10.1330% | 3,973 |
| Core capital (leverage) ratio | 9.2848% | 4,268 |
| Tier 1 risk-based capital ratio | 12.8888% | 5,009 |
| Total risk-based capital ratio | 13.9536% | 5,145 |
| Memoranda: | ||
| Average total assets | $1,267,362,330 | 522 |
| Average earning assets | $1,160,005,000 | 516 |
| Average equity | $126,953,670 | 552 |
| Average total loans | $707,562,670 | 597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 5,290 |
| Cost of funding earning assets | 1.0112% | 4,121 |
| Net interest margin | 3.5032% | 4,997 |
| Noninterest income to average assets | 0.2664% | 5,764 |
| Noninterest expense to average assets | 1.8794% | 7,025 |
| Loan and lease loss provision to assets | 0.2815% | 2,896 |
| Net operating income to assets | 0.8345% | 2,860 |
| Return on assets (ROA) | 0.9917% | 2,264 |
| Pretax return on assets | 1.5521% | 1,292 |
| Return on Equity (ROE) | 9.9599% | 2,114 |
| Retained earnings to average equity (ytd only) | 9.5574% | 1,226 |
| Net charge-offs to loans | 0.0865% | 4,092 |
| Credit loss provision to net charge-offs | 570.1299% | 655 |
| Earnings coverage of net charge-offs (x) | 32.1623% | 795 |
| Efficiency ratio | 54.0546% | 6,695 |
| Assets per employee ($millions) | 7.8064% | 507 |
| Cash dividends to net income (ytd only)* | 4.0414% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,953 |
| Loan loss allowance to noncurrent loans | 73.6466% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 4,839 |
| Noncurrent loans to loans | 1.8186% | 3,804 |
| Net loans and leases to total assets | 54.8507% | 5,184 |
| Net loans and leases to deposits | 75.3191% | 3,538 |
| Net loans and leases to core deposits | 91.8240% | 2,151 |
| Total domestic deposits to total assets | 72.8244% | 7,012 |
| Equity capital to assets | 9.8060% | 4,026 |
| Core capital (leverage) ratio | 9.5440% | 3,740 |
| Tier 1 risk-based capital ratio | 12.8725% | 4,930 |
| Total risk-based capital ratio | 13.9401% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,247,602,500 | 538 |
| Average earning assets | $1,139,975,500 | 528 |
| Average equity | $124,217,500 | 558 |
| Average total loans | $712,270,000 | 601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 6,555 |
| Cost of funding earning assets | 1.3305% | 3,687 |
| Net interest margin | 3.1018% | 6,515 |
| Noninterest income to average assets | 0.2816% | 5,759 |
| Noninterest expense to average assets | 1.9378% | 7,107 |
| Loan and lease loss provision to assets | 0.4226% | 3,580 |
| Net operating income to assets | 0.7165% | 3,165 |
| Return on assets (ROA) | 0.6193% | 3,754 |
| Pretax return on assets | 0.6562% | 4,140 |
| Return on Equity (ROE) | 6.5548% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.1142% | 1,758 |
| Net charge-offs to loans | 0.6898% | 2,939 |
| Credit loss provision to net charge-offs | 103.1707% | 4,372 |
| Earnings coverage of net charge-offs (x) | 2.8862% | 3,626 |
| Efficiency ratio | 61.9213% | 5,745 |
| Assets per employee ($millions) | 7.5922% | 569 |
| Cash dividends to net income (ytd only)* | 6.7222% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 5,250 |
| Loan loss allowance to noncurrent loans | 74.5878% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 5,039 |
| Noncurrent loans to loans | 1.6780% | 3,981 |
| Net loans and leases to total assets | 57.9526% | 5,030 |
| Net loans and leases to deposits | 80.9105% | 3,009 |
| Net loans and leases to core deposits | 93.8091% | 2,280 |
| Total domestic deposits to total assets | 71.6256% | 7,119 |
| Equity capital to assets | 10.1171% | 3,595 |
| Core capital (leverage) ratio | 9.5603% | 3,626 |
| Tier 1 risk-based capital ratio | 12.8262% | 4,751 |
| Total risk-based capital ratio | 13.8362% | 4,935 |
| Memoranda: | ||
| Average total assets | $1,201,120,800 | 559 |
| Average earning assets | $1,099,134,200 | 548 |
| Average equity | $113,474,200 | 592 |
| Average total loans | $713,283,800 | 610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 6,580 |
| Cost of funding earning assets | 1.3981% | 3,598 |
| Net interest margin | 3.1143% | 6,580 |
| Noninterest income to average assets | 0.2659% | 5,989 |
| Noninterest expense to average assets | 1.9268% | 7,168 |
| Loan and lease loss provision to assets | 0.3365% | 3,911 |
| Net operating income to assets | 0.6690% | 3,549 |
| Return on assets (ROA) | 0.5322% | 4,347 |
| Pretax return on assets | 0.6804% | 4,303 |
| Return on Equity (ROE) | 5.7352% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.2860% | 2,787 |
| Net charge-offs to loans | 0.5540% | 3,096 |
| Credit loss provision to net charge-offs | 101.9872% | 4,223 |
| Earnings coverage of net charge-offs (x) | 3.6133% | 3,373 |
| Efficiency ratio | 61.5807% | 5,685 |
| Assets per employee ($millions) | 7.3987% | 650 |
| Cash dividends to net income (ytd only)* | 7.8321% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,239 |
| Loan loss allowance to noncurrent loans | 74.6955% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,878 |
| Noncurrent loans to loans | 1.6727% | 4,135 |
| Net loans and leases to total assets | 56.7802% | 5,447 |
| Net loans and leases to deposits | 82.4088% | 3,031 |
| Net loans and leases to core deposits | 93.4190% | 2,606 |
| Total domestic deposits to total assets | 68.9006% | 7,334 |
| Equity capital to assets | 10.0533% | 4,088 |
| Core capital (leverage) ratio | 9.2311% | 4,314 |
| Tier 1 risk-based capital ratio | 12.5989% | 4,891 |
| Total risk-based capital ratio | 13.6268% | 5,073 |
| Memoranda: | ||
| Average total assets | $1,199,612,500 | 554 |
| Average earning assets | $1,099,075,750 | 546 |
| Average equity | $111,310,500 | 595 |
| Average total loans | $714,493,750 | 611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 6,454 |
| Cost of funding earning assets | 1.4480% | 3,571 |
| Net interest margin | 3.1552% | 6,448 |
| Noninterest income to average assets | 0.2163% | 6,371 |
| Noninterest expense to average assets | 1.9949% | 7,121 |
| Loan and lease loss provision to assets | 0.2886% | 4,082 |
| Net operating income to assets | 0.8816% | 2,616 |
| Return on assets (ROA) | 0.4313% | 4,776 |
| Pretax return on assets | 0.3750% | 5,291 |
| Return on Equity (ROE) | 4.7849% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.3198% | 3,329 |
| Net charge-offs to loans | 0.5112% | 2,998 |
| Credit loss provision to net charge-offs | 93.6854% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.6157% | 3,241 |
| Efficiency ratio | 63.9640% | 5,341 |
| Assets per employee ($millions) | 7.3333% | 663 |
| Cash dividends to net income (ytd only)* | 9.7201% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,507 |
| Loan loss allowance to noncurrent loans | 112.3823% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 5,534 |
| Noncurrent loans to loans | 1.0585% | 5,199 |
| Net loans and leases to total assets | 59.7273% | 5,116 |
| Net loans and leases to deposits | 88.8178% | 2,032 |
| Net loans and leases to core deposits | 91.7475% | 3,021 |
| Total domestic deposits to total assets | 67.2469% | 7,466 |
| Equity capital to assets | 9.2780% | 5,034 |
| Core capital (leverage) ratio | 8.4682% | 5,465 |
| Tier 1 risk-based capital ratio | 11.1979% | 6,041 |
| Total risk-based capital ratio | 12.1827% | 6,295 |
| Memoranda: | ||
| Average total assets | $1,192,553,670 | 559 |
| Average earning assets | $1,093,259,330 | 548 |
| Average equity | $107,504,330 | 607 |
| Average total loans | $718,679,670 | 612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 6,401 |
| Cost of funding earning assets | 1.5140% | 3,464 |
| Net interest margin | 3.1386% | 6,492 |
| Noninterest income to average assets | 0.3029% | 5,732 |
| Noninterest expense to average assets | 2.1172% | 6,892 |
| Loan and lease loss provision to assets | 0.3157% | 3,528 |
| Net operating income to assets | 0.8429% | 2,780 |
| Return on assets (ROA) | 0.1249% | 6,064 |
| Pretax return on assets | -0.3811% | 6,707 |
| Return on Equity (ROE) | 1.4064% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.9338% | 5,440 |
| Net charge-offs to loans | 0.8438% | 1,849 |
| Credit loss provision to net charge-offs | 62.1693% | 4,259 |
| Earnings coverage of net charge-offs (x) | 2.0807% | 3,500 |
| Efficiency ratio | 66.5115% | 5,004 |
| Assets per employee ($millions) | 7.3285% | 709 |
| Cash dividends to net income (ytd only)* | 33.6022% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,820 |
| Loan loss allowance to noncurrent loans | 71.6840% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 5,239 |
| Noncurrent loans to loans | 1.5904% | 4,355 |
| Net loans and leases to total assets | 59.4475% | 5,206 |
| Net loans and leases to deposits | 88.8061% | 2,077 |
| Net loans and leases to core deposits | 92.3530% | 3,063 |
| Total domestic deposits to total assets | 66.9408% | 7,575 |
| Equity capital to assets | 9.0521% | 5,203 |
| Core capital (leverage) ratio | 8.2607% | 5,816 |
| Tier 1 risk-based capital ratio | 11.2674% | 5,879 |
| Total risk-based capital ratio | 12.2273% | 6,149 |
| Memoranda: | ||
| Average total assets | $1,191,170,500 | 574 |
| Average earning assets | $1,089,530,500 | 569 |
| Average equity | $105,805,500 | 627 |
| Average total loans | $716,756,000 | 635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 7,208 |
| Cost of funding earning assets | 2.0432% | 2,756 |
| Net interest margin | 2.6082% | 7,328 |
| Noninterest income to average assets | 0.2835% | 6,077 |
| Noninterest expense to average assets | 1.8771% | 7,532 |
| Loan and lease loss provision to assets | 0.3812% | 4,501 |
| Net operating income to assets | 0.3120% | 4,491 |
| Return on assets (ROA) | 0.3648% | 4,372 |
| Pretax return on assets | 0.4700% | 4,286 |
| Return on Equity (ROE) | 4.7196% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.0653% | 3,661 |
| Net charge-offs to loans | 0.3071% | 4,711 |
| Credit loss provision to net charge-offs | 214.8131% | 1,780 |
| Earnings coverage of net charge-offs (x) | 4.4150% | 2,960 |
| Efficiency ratio | 70.2949% | 4,565 |
| Assets per employee ($millions) | 7.4696% | 657 |
| Cash dividends to net income (ytd only)* | 56.2401% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,291 |
| Loan loss allowance to noncurrent loans | 77.1978% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 5,218 |
| Noncurrent loans to loans | 1.5681% | 4,300 |
| Net loans and leases to total assets | 59.4826% | 5,419 |
| Net loans and leases to deposits | 87.0781% | 2,723 |
| Net loans and leases to core deposits | 105.8533% | 3,358 |
| Total domestic deposits to total assets | 68.3095% | 7,525 |
| Equity capital to assets | 8.7140% | 5,565 |
| Core capital (leverage) ratio | 7.5569% | 6,732 |
| Tier 1 risk-based capital ratio | 11.1717% | 5,755 |
| Total risk-based capital ratio | 12.1834% | 5,959 |
| Memoranda: | ||
| Average total assets | $1,205,826,200 | 555 |
| Average earning assets | $1,098,936,200 | 552 |
| Average equity | $93,207,400 | 698 |
| Average total loans | $696,828,000 | 669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 7,389 |
| Cost of funding earning assets | 2.1246% | 2,774 |
| Net interest margin | 2.4954% | 7,472 |
| Noninterest income to average assets | 0.2704% | 6,296 |
| Noninterest expense to average assets | 1.9245% | 7,505 |
| Loan and lease loss provision to assets | 0.2049% | 5,351 |
| Net operating income to assets | 0.2892% | 4,826 |
| Return on assets (ROA) | 0.4444% | 4,323 |
| Pretax return on assets | 0.6358% | 4,071 |
| Return on Equity (ROE) | 5.9360% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.5436% | 3,896 |
| Net charge-offs to loans | 0.1869% | 4,898 |
| Credit loss provision to net charge-offs | 191.6409% | 2,365 |
| Earnings coverage of net charge-offs (x) | 5.7895% | 2,731 |
| Efficiency ratio | 75.3926% | 3,613 |
| Assets per employee ($millions) | 8.1774% | 484 |
| Cash dividends to net income (ytd only)* | 57.1500% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,313 |
| Loan loss allowance to noncurrent loans | 55.2573% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 5,148 |
| Noncurrent loans to loans | 1.8049% | 3,906 |
| Net loans and leases to total assets | 52.5436% | 6,557 |
| Net loans and leases to deposits | 73.5663% | 5,431 |
| Net loans and leases to core deposits | 101.6133% | 4,199 |
| Total domestic deposits to total assets | 71.4235% | 7,287 |
| Equity capital to assets | 6.9757% | 7,605 |
| Core capital (leverage) ratio | 6.5025% | 7,676 |
| Tier 1 risk-based capital ratio | 9.8591% | 7,093 |
| Total risk-based capital ratio | 10.6741% | 7,394 |
| Memoranda: | ||
| Average total assets | $1,208,500,000 | 567 |
| Average earning assets | $1,100,845,000 | 562 |
| Average equity | $90,473,250 | 719 |
| Average total loans | $691,133,500 | 689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 7,412 |
| Cost of funding earning assets | 2.1919% | 2,830 |
| Net interest margin | 2.4925% | 7,490 |
| Noninterest income to average assets | 0.2800% | 6,265 |
| Noninterest expense to average assets | 2.1237% | 7,229 |
| Loan and lease loss provision to assets | 0.2715% | 4,404 |
| Net operating income to assets | 0.1027% | 5,555 |
| Return on assets (ROA) | 0.4151% | 4,555 |
| Pretax return on assets | 0.5771% | 4,379 |
| Return on Equity (ROE) | 5.4024% | 3,905 |
| Retained earnings to average equity (ytd only) | 1.5125% | 4,485 |
| Net charge-offs to loans | 0.2677% | 3,853 |
| Credit loss provision to net charge-offs | 172.5383% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.6357% | 3,755 |
| Efficiency ratio | 83.3616% | 2,561 |
| Assets per employee ($millions) | 8.6532% | 395 |
| Cash dividends to net income (ytd only)* | 72.0033% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,281 |
| Loan loss allowance to noncurrent loans | 109.4808% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 5,585 |
| Noncurrent loans to loans | 0.9101% | 5,398 |
| Net loans and leases to total assets | 51.2430% | 6,761 |
| Net loans and leases to deposits | 71.7595% | 5,769 |
| Net loans and leases to core deposits | 99.8967% | 4,519 |
| Total domestic deposits to total assets | 71.4094% | 7,313 |
| Equity capital to assets | 6.8063% | 7,705 |
| Core capital (leverage) ratio | 7.2387% | 7,316 |
| Tier 1 risk-based capital ratio | 10.0734% | 6,850 |
| Total risk-based capital ratio | 10.8902% | 7,232 |
| Memoranda: | ||
| Average total assets | $1,161,575,000 | 595 |
| Average earning assets | $1,052,516,670 | 594 |
| Average equity | $89,257,000 | 738 |
| Average total loans | $682,811,330 | 721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 7,043 |
| Cost of funding earning assets | 2.2851% | 2,766 |
| Net interest margin | 2.6723% | 7,262 |
| Noninterest income to average assets | 0.2930% | 6,090 |
| Noninterest expense to average assets | 1.9374% | 7,475 |
| Loan and lease loss provision to assets | 0.5304% | 2,348 |
| Net operating income to assets | 0.1750% | 5,733 |
| Return on assets (ROA) | 0.3452% | 5,275 |
| Pretax return on assets | 0.4523% | 5,237 |
| Return on Equity (ROE) | 4.1931% | 4,850 |
| Retained earnings to average equity (ytd only) | -1.1061% | 5,915 |
| Net charge-offs to loans | 0.5352% | 2,113 |
| Credit loss provision to net charge-offs | 156.8433% | 2,683 |
| Earnings coverage of net charge-offs (x) | 2.2439% | 3,614 |
| Efficiency ratio | 71.5532% | 4,262 |
| Assets per employee ($millions) | 7.0045% | 768 |
| Cash dividends to net income (ytd only)* | 126.3784% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,197 |
| Loan loss allowance to noncurrent loans | 148.2479% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,166 |
| Noncurrent loans to loans | 0.6734% | 5,724 |
| Net loans and leases to total assets | 59.8945% | 5,672 |
| Net loans and leases to deposits | 87.0435% | 3,465 |
| Net loans and leases to core deposits | 110.4440% | 3,374 |
| Total domestic deposits to total assets | 68.8099% | 7,535 |
| Equity capital to assets | 8.1423% | 6,609 |
| Core capital (leverage) ratio | 8.0980% | 6,292 |
| Tier 1 risk-based capital ratio | 10.5692% | 6,322 |
| Total risk-based capital ratio | 11.4175% | 6,652 |
| Memoranda: | ||
| Average total assets | $1,071,737,500 | 649 |
| Average earning assets | $963,806,000 | 654 |
| Average equity | $88,240,500 | 748 |
| Average total loans | $677,110,000 | 733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 7,290 |
| Cost of funding earning assets | 2.6236% | 3,564 |
| Net interest margin | 2.8814% | 7,190 |
| Noninterest income to average assets | 0.3634% | 5,810 |
| Noninterest expense to average assets | 1.8791% | 7,650 |
| Loan and lease loss provision to assets | 0.1540% | 5,393 |
| Net operating income to assets | 0.7002% | 3,891 |
| Return on assets (ROA) | 0.6476% | 3,965 |
| Pretax return on assets | 0.8388% | 3,934 |
| Return on Equity (ROE) | 7.6120% | 3,235 |
| Retained earnings to average equity (ytd only) | 2.1923% | 3,853 |
| Net charge-offs to loans | 0.0762% | 5,667 |
| Credit loss provision to net charge-offs | 332.1277% | 1,368 |
| Earnings coverage of net charge-offs (x) | 22.8915% | 1,446 |
| Efficiency ratio | 63.5906% | 5,650 |
| Assets per employee ($millions) | 6.3922% | 933 |
| Cash dividends to net income (ytd only)* | 71.2001% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 6,530 |
| Loan loss allowance to noncurrent loans | 919.7059% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 5,866 |
| Noncurrent loans to loans | 0.1006% | 7,113 |
| Net loans and leases to total assets | 65.5042% | 4,949 |
| Net loans and leases to deposits | 101.4369% | 1,655 |
| Net loans and leases to core deposits | 119.6410% | 2,726 |
| Total domestic deposits to total assets | 64.5763% | 7,751 |
| Equity capital to assets | 8.3333% | 6,366 |
| Core capital (leverage) ratio | 7.5407% | 7,154 |
| Tier 1 risk-based capital ratio | 9.9893% | 6,745 |
| Total risk-based capital ratio | 10.8049% | 7,157 |
| Memoranda: | ||
| Average total assets | $1,013,901,400 | 654 |
| Average earning assets | $906,700,400 | 658 |
| Average equity | $86,258,200 | 775 |
| Average total loans | $617,055,000 | 775 |